Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and openWorldHint; the description adds the crucial behavioural fact that this tool only constructs transactions and never broadcasts, plus the conditional approve and the ordering requirement — exactly the context an agent needs to avoid treating it as an executor. It stops short of disclosing quote freshness/expiry, that slippage defaults to 3%, or what the returned objects look like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.